外贸英语函电教案 第12课 保险Insurance.docVIP

第12课 保险Insurance 教学目的要求：了解全部损失和部分损失、共同海损和单独海损的含义熟练掌握本单元相关边缘业务知识、词汇、术语及有用的表达掌握海上保险的定义、险别掌握几个概念：保险价值、保险费、保险单和保险凭证海上保险的险别保险价值、保险费、保险单和保险凭证 12.1 The Importance of Insurance in Foreign Trade Risks are omnipresent (in the air, on land, in the sea; in loading, unloading or storing). To insure is to provide compensation for losses or damages. Insurance is a contract of indemnity, a contract to restore to someone, either the full amount of the loss that may be incurred, or a specified percentage of the amount of the loss. 12.2 The Special Terms in Insurance 1.The parties of insurance underwriter/insurer/insured/PICC/Lloyd’s/insurance broker/Insurance agent /Insurance beneficiary 2.Insurance contract insurance policy/insurance certificate/combined certificate/open cover/open policy/ICC/CIC Insurable interest/premium 3.Calculation of the Value of Insurance Ins value= Cost of goods + Amount of Freight + Premium + a percentage of the total sum representing a reasonable profit on sale of the goods percentage:= 110-150% of the invoice value 4.Some risks Perils of the sea/Natural calamity/fortuitous accident/Extraneous Risks general additional risks:Shortage Risks /Taint of Odour Risks/Clash Breakage Risks 碰损破碎险/Sweating Heating Damage 受潮受热险/Rust Risk 锈损险 Breakage of Packing Risk 包装破碎险/ TPND/Hook Damage Risks/Fresh and /or Rain Water Damage Risks //(special additional risks)War Risks//SRCC,etc 5.Some losses total loss/constructive total loss/abandonment/right of subrogation/partial loss/General average/G.A. Contribution/Particular average/sue and labor expenses施救费 /salvage expenses救助费/franchise/IOP 12.3 The Main Type of Insurance in Trade Basic Insurance FPA/W.A or W.P.A / All Risks / Ocean marine cargo insurance / Overland(Air) transportation Risks/Parcel Post Risks//ICC A;B;C Additional Insurance TPND//Leakage Risk/Taint of Odor Risks/Fresh and Rain Water Damage Risks//FREC,etc SRCC/WAR Risks 12.4 Useful expressions 1.We thank you for your instructions to arrange the